hey guys i am permanent resident foreginer living in helsinki and´already got the language certificate in finish.just wait right time to apply finish citizen in next year .as student in one of the poly in helsinki area.i just got some troble in my credit history. i was abroad in last few months do it my work training in another EU country,when come back to helsinki 3weeks ago,i found i was unpaid alot of bill in last few months,and also got somekind decision about my credit history( maksuhäriö).so i immedietly contact with my bank try to got some loan to pay all the unpaid bill,but unfortunatly because i already have that(maksuhäriö)the bank reject my loan application and most worse thing is they inform me will stop it my student loan from spt. damn,what is the hell?i just wondering if anyone could give me some good advice about my stiuation i will really appreciate it. and one more thing is normally if i paid the all the bill in next one year,how long this maksuhäriö will continue ?i mean i really dont want in troble just before apply citizen years ago.
best regards....
maksuhäiriö
Re: makuhäiriö
2-5 years, depends on the case.how long this maksuhäriö will continue ?
Change the title of your question: makSuhäiriö, not makuhäiriö. I thought that you have had a bad restaurant experience.
RE:maksuhäiriö
so is there no way i can remove it soon even i paid all the bill?
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Pursuivant
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Re: maksuhäiriö
no, you need to build your trust up again.
"By the pricking of my thumbs,
Something wicked this way comes."
Something wicked this way comes."
Re: maksuhäiriö
How long were you out of Finland for? I have trouble believing that you got a maksuhäiriö just for failing to pay a few bills while being away for a few months. It is quite difficult (and time-consuming) in the end to get one - you must really not want to pay, i.e. if you get bill reminders or even letters from the collection agency, that's not yet a maksuhäiriö. You need to get SUED to get one.
The above posters are correct, you cannot speed up the disappearance of your maksuhäiriö, which takes several years. Perhaps I'm adding insult to injury, but to get into this position "by accident" is quite an achievement and perhaps you should think ahead in the future before just hopping onto a plane. I hope this serves as a warning to others.
The above posters are correct, you cannot speed up the disappearance of your maksuhäiriö, which takes several years. Perhaps I'm adding insult to injury, but to get into this position "by accident" is quite an achievement and perhaps you should think ahead in the future before just hopping onto a plane. I hope this serves as a warning to others.
Finland -> Australia -> Finland -> Canada -> Finland -> the UK -> Finland
Re: maksuhäiriö
Further info on maksuhäiriö is available on the website of Suomen Asiakastieto that runs the credit data system in Finland:
http://www.asiakastieto.fi/en/yksityisi ... isille.jsp
Facts on how long the information will be saved in the records are here: http://www.asiakastieto.fi/en/yksityisi ... 6.jsp?l1=4
If your payment default entry is because on an unpaid bill for which the beneficiary has got a court order, the data will be kept on file for four years! Only if the payment default has resulted from a consumer credit the duration will be 2 years.
Now, once you have managed to get yourself into these credit data records, your life will become much more difficult. You will not be able to get a credit card, sometimes even renting a new flat will be impossible, and you can forget opening a subscription based mobile phone connection etc etc... Not to talk about that even some employers check the records for the employees they are considering to hire. Sorry for you, but as the earlier poster already said, this cannot have happened without your knowledge about it or not receiving any information of it! The payment must be at least 60 days behind the due date and you must have been notified in writing at least 21 days prior to recording of the neglect of payment... See details at http://www.asiakastieto.fi/en/yksityisi ... 4.jsp?l1=4.
http://www.asiakastieto.fi/en/yksityisi ... isille.jsp
Facts on how long the information will be saved in the records are here: http://www.asiakastieto.fi/en/yksityisi ... 6.jsp?l1=4
If your payment default entry is because on an unpaid bill for which the beneficiary has got a court order, the data will be kept on file for four years! Only if the payment default has resulted from a consumer credit the duration will be 2 years.
Now, once you have managed to get yourself into these credit data records, your life will become much more difficult. You will not be able to get a credit card, sometimes even renting a new flat will be impossible, and you can forget opening a subscription based mobile phone connection etc etc... Not to talk about that even some employers check the records for the employees they are considering to hire. Sorry for you, but as the earlier poster already said, this cannot have happened without your knowledge about it or not receiving any information of it! The payment must be at least 60 days behind the due date and you must have been notified in writing at least 21 days prior to recording of the neglect of payment... See details at http://www.asiakastieto.fi/en/yksityisi ... 4.jsp?l1=4.